aloe

Broker Services Agreement

Last updated: February 24, 2026

This Broker Services Agreement (“Agreement”) is between Aloe Health, Inc. (“Aloe” or “we”) and the entity or individual partnering with Aloe (“Partner” or “you”). This Agreement is effective when you first access your account with Aloe (“Effective Date”) and remains in effect for the term provided below.

This Agreement incorporates our Platform Terms and Privacy Policy. Any capitalized terms used but not defined here have the definitions provided in the Platform Terms.

1. Partner Accounts

About Partner Accounts

A Partner Account allows you to sell ICHRA solutions to employers using the Aloe platform and assist employees with shopping for and enrolling in individual health insurance coverage.

Opening an Account

You must create an online profile with Aloe before accessing the platform. Your account dashboard allows you to manage your personal information, contact details, brokerage affiliation, and licensing details.

By creating an account, you warrant that you are authorized to do so and that creating an account does not violate any agreement you may have with any brokerage, employer, client, or third party.

Account Roles

Partner Accounts operate under one of two roles:

  • Admin: Manages the brokerage’s Aloe account, adds and removes brokers, and has visibility into all employer clients and enrollments associated with the brokerage. Admins accept this Agreement on behalf of their brokerage and all brokers operating under it.
  • Broker: Operates under a brokerage’s account. May sell ICHRA solutions to employers, facilitate employee enrollments, and access data for employer clients to which they are assigned.

Brokerage Affiliation

Brokers must be affiliated with a brokerage that has an active Aloe account. If you are a Broker operating under a brokerage, your brokerage Admin must have accepted this Agreement before you can access the platform. Your brokerage is responsible for your compliance with this Agreement.

2. Licensing

Partner Accounts may be used regardless of whether you hold a broker or agent license. However, Partners may only facilitate employee enrollment in individual health insurance coverage if they hold an active health insurance producer license in the applicable state and line of authority. Aloe may require that you provide your National Producer Number (NPN) or other documentation of your licensure to continue using your account.

You are solely responsible for maintaining all required licenses and carrier appointments. Aloe does not verify carrier appointments and is not responsible for any enrollment submitted by a Partner who lacks proper licensure or appointment.

You shall promptly notify Aloe of any changes to your licensing status, including suspensions, revocations, or expirations.

3. Agent of Record

When a Partner facilitates an individual enrollment through the Aloe platform, the enrolling Partner will be designated as the Agent of Record (AOR) on the employee’s individual health insurance policy. Aloe does not take Broker of Record or Agent of Record designation on any individual policies enrolled through the platform.

AOR designation is subject to the applicable carrier’s requirements and the employee’s consent. Partners must hold valid carrier appointments for any carrier whose plans are enrolled through the platform.

4. Compensation

Broker Fees

Partners may charge employers their own advisory or brokerage fees in connection with ICHRA implementation and ongoing services. Broker fees are separate from and in addition to Aloe’s platform fees. Aloe is not a party to any fee arrangement between Partner and an employer.

Carrier Commissions

Carrier commissions for individual policies enrolled through the platform are paid directly by carriers to the Agent of Record in accordance with the carrier’s standard commission schedule. Aloe does not collect or distribute carrier commissions.

Aloe Platform Fees

Aloe’s platform fees are charged directly to employers. Partner shall not represent to employers that Aloe’s platform fees include Partner’s compensation.

5. Compliance

You are responsible for complying with all applicable federal and state laws and regulations at all times, including but not limited to the Affordable Care Act, ERISA, HIPAA, and state insurance regulations. Aloe may provide tools to help Partners comply with certain obligations, but compliance remains your responsibility.

You shall not:

  • Misrepresent the nature, terms, or benefits of any ICHRA plan or individual health insurance coverage
  • Provide tax, legal, or investment advice to employers or employees through the platform
  • Access, use, or disclose protected health information (PHI) or personally identifiable information (PII) for any purpose other than facilitating ICHRA enrollment and administration through the platform

You shall immediately notify Aloe of any suspected or actual data breach involving data accessed through the platform.

6. Intellectual Property

All intellectual property rights in the Aloe platform remain the exclusive property of Aloe. You receive a limited, non-exclusive, non-transferable, revocable license to use the platform solely for the purposes described in this Agreement. You shall not modify, reverse engineer, or create derivative works based on the platform, or use Aloe’s name, logo, or trademarks without prior written consent.

7. Term and Termination

Closing Your Account

You may close your Partner Account at any time by providing 30 days’ notice to hello@aloehealth.co.

If you are the Agent of Record on any active individual policies, your professional responsibilities to those policyholders continue after you close your account.

Termination by Aloe

Aloe may suspend or terminate your account immediately if you:

  • Materially breach this Agreement and fail to cure within 15 days of written notice
  • Lose any license or regulatory authorization required to perform enrollment activities
  • Engage in fraud, willful misconduct, or any activity that may bring Aloe into disrepute

Effect of Termination

Upon termination, your access to the platform will be revoked. Existing employer ICHRA plans will continue to be administered by Aloe. Your AOR designation on individual policies will be governed by the applicable carrier’s policies. Sections 5 (Compliance), 6 (Intellectual Property), 8 (Indemnification), and 9 (Limitation of Liability) survive termination.

8. Indemnification

You agree to indemnify and hold Aloe harmless from and against all claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising from or relating to your (a) breach of this Agreement, (b) non-compliance with applicable laws or regulations, (c) violation of professional, legal, or regulatory obligations to employers or employees, and (d) any misrepresentation made to an employer or employee.

Aloe shall indemnify and hold you harmless from and against all claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising from Aloe’s breach of this Agreement or negligent acts or omissions in operating the platform.

9. Limitation of Liability

To the maximum extent permitted by law, neither party shall be liable to the other for any indirect, incidental, special, consequential, or punitive damages arising out of or related to this Agreement. Aloe’s total liability shall not exceed the total platform fees paid by employers associated with Partner during the twelve (12) months preceding the event giving rise to the claim.

10. Dispute Resolution

The Parties agree to attempt to resolve any disputes through good-faith negotiation. If unresolved within 30 days, either Party may submit the dispute to binding arbitration in accordance with the rules of the American Arbitration Association in the State of Delaware. The prevailing party shall be entitled to recover reasonable attorneys’ fees and costs.

11. General

Independent Contractor. You are an independent contractor. Nothing in this Agreement creates an employment, partnership, joint venture, or agency relationship between you and Aloe.

Assignment. Neither Party may assign this Agreement without prior written consent, except that Aloe may assign in connection with a merger, acquisition, or sale of substantially all of its assets.

Amendments. Aloe may update this Agreement from time to time. You will be notified of material changes at least 30 days in advance. Continued use of the platform after the effective date of any amendment constitutes acceptance.

Governing Law. This Agreement is governed by the laws of the State of Michigan.

Severability. If any provision is held invalid or unenforceable, the remaining provisions continue in full force and effect.